Clarity Before You Commit

NYK is a numbers-first financing and debt advisory. We’re here for people who don’t want “sales talk” — they want a calm, independent view of what’s realistic before they sign anything.

Numbers first
Independent advice
Plain-English plan
Bank-smart execution

Talk With NYK

WHY NYK

Why People Choose NYK

Independent
Practical
Bank-Smart

We don’t “sell loans”. We tell you what’s realistic. If the safest move is to pause or restructure, we’ll say it. Clarity first. Then action.

No hard sell, no pressure
Clear yes / not-yet conclusion
Best move even if it’s “pause”

We turn your loans, bills and commitments into one clear picture.
Then we map a step-by-step plan that fits your real monthly buffer.
Simple, calm, and easy to follow.

One clear view of commitments
Step-by-step plan in order
Easy to follow month by month

Banks don’t assess every profile the same way. Strategy matters.
We match you to suitable banks/products based on your numbers.
Then we guide submission so you don’t waste attempts.

Right bank/product fit
Cleaner documents, fewer questions
Submission strategy, fewer wasted tries

A busy office scene featuring four diverse employees at a shared desk. On the left, a woman in a pink hijab smiles while talking on a phone, and a man behind her writes notes during a call. On the right, a man in a pink shirt talks on a mobile phone while using a laptop. In the foreground right, a middle-aged Chinese woman with glasses holds a landline receiver and uses a calculator, wearing a facial expression of sudden realization and understanding ("Oh, I see").

Big decisions. Clear guidance.

6 +

Years Experience

2.7 K+

Cases Reviewed

1.9 K+

Plans Built

308 +

SMEs Advised

TESTIMONIALS

Real Words From Real Clients

No hype. Just clarity, and a plan that makes sense.

“差一点就要去 apply 别家银行了。NYK 先拿我的 numbers 来看，直接告诉我什么可以、什么不可以。真的省了我很多时间。”

N. Meng Tat

Salaried - KL

“No pressure at all. They didn’t keep pushing ‘take loan’. Juz show me the options and which one makes most sense for my monthly cash flow.”

S. Manjit

Self-employed - Batu Pahat

“Kami apply SME loan sebelum ni asyik sangkut. NYK suruh kami prepare 6 bulan bank statement, sales breakdown + debt schedule, pastu betulkan cash flow story. Lepas tu baru advise bank mana sesuai ikut DSCR/commitment.”